What are the current interest rates at Kellogg Community Credit Union?

Current rates for Kellogg Community Credit Union include: 12-Month CD: 2.00%, 24-Month CD: 2.25%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.20%

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Kellogg Community Credit Union

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Kellogg Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kellogg Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Kellogg Community Credit Union's 5 Month CD rates are at 4.55%, 5 Month IRA CD rates are at 4.55%, 5 Month CD rates are at 4.45%, 5 Month IRA CD rates are at 4.45%, 14 Month CD rates are at 4.35%. Kellogg Community Credit Union's savings rates are at 0.10%. Kellogg Community Credit Union's money market rates are at 0.20%. Kellogg Community Credit Union's 30 Year Mortgage rates are at 7.00%. Kellogg Community Credit Union's Personal Loan Rates are as low as 10.99%. Kellogg Community Credit Union's Credit Card Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Kellogg Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 09/22/2026.

Kellogg Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kellogg Community Credit Union? Share your experience about Kellogg Community Credit Union by leaving a review below, or read customer reviews before you decide to use Kellogg Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Kellogg Community Credit Union
2nd Street

41 2nd St
Battle Creek, MI 49014-6286

https://www.kelloggccu.org

Kellogg Community Credit Union CD Rates

Product	Rate	APY	Term
5 Month Certificate	-	4.55%	5 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Month IRA Certificate	-	4.55%	5 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month IRA certificate term will renew at 12-month term and 14-month IRA certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Month Certificate	-	4.45%	5 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Month IRA Certificate	-	4.45%	5 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month IRA certificate term will renew at 12-month term and 14-month IRA certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
14 Month Certificate	-	4.35%	14 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
14 Month IRA Certificate	-	4.35%	14 months
Min Deposit $50,000 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month IRA certificate term will renew at 12-month term and 14-month IRA certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
14 Month Certificate	-	4.25%	14 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. The 14-month certificate earns 4.00% APY on balances $500.00 - $49,999.99 and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month certificate term will renew at 12-month term and 14-month certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
14 Month IRA Certificate	-	4.25%	14 months
Min Deposit $500 Details APY = Annual Percentage Yield. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month IRA certificate earns 4.20%APY on balances $500.00 - $49,999.99 and 4.30% APY on balances $50,000 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity the 5-month IRA certificate term will renew at 12-month term and 14-month IRA certificate term will renew at a 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year Certificate	-	3.25%	5 Year
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 3.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year IRA Certificate	-	3.25%	5 Year
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year Certificate	-	3.10%	4 Year
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.85%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year IRA Certificate	-	3.10%	4 Year
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year Certificate	-	3.00%	4 Year
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year IRA Certificate	-	3.00%	4 Year
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year Certificate	-	3.00%	5 Year
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year IRA Certificate	-	3.00%	5 Year
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year Certificate	-	2.85%	3 Year
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.60%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year IRA Certificate	-	2.85%	3 Year
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year Certificate	-	2.75%	3 Year
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year IRA Certificate	-	2.75%	3 Year
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year Certificate	-	2.35%	2 Year
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.10%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year IRA Certificate	-	2.35%	2 Year
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year Certificate	-	2.25%	2 Year
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 2.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year IRA Certificate	-	2.25%	2 Year
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year Certificate	-	2.10%	1 Year
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 1.85%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year IRA Certificate	-	2.10%	1 Year
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year Certificate	-	2.00%	1 Year
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 1.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year IRA Certificate	-	2.00%	1 Year
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month Certificate	-	1.85%	6 Month
Min Deposit $50,000 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 1.60%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month IRA Certificate	-	1.85%	6 Month
Min Balance $50,000 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month Certificate	-	1.75%	6 Month
Min Deposit $500 Details APY bonus of 0.25% available with 20,000 VIP Lifetime Reward Points. Standard APY is 1.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month IRA Certificate	-	1.75%	6 Month
Min Balance $500 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	0.50%
Min Deposit $0 Min Balance $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Health Savings Account	-	0.35%
Min Deposit $0 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Health Savings Account	-	0.25%
Min Deposit $0 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Christmas Club	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Savings	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Secondary Savings	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Max	-	3.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Max	-	3.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Max	-	3.50%
Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	2.50%
Min Balance $250,000 Details Balance: $250,000.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	2.25%
Min Balance $200,000 Details Balance: $200,000.01 - $250,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	2.15%
Min Balance $100,000 Details Balance: $100,000.01 - $200,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	0.85%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	0.75%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Plus	-	0.70%
Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Max	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Max	-	0.10%
Min Balance $2,000,000 Details Balance: $2,000,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Checking Rates

Product	Rate	APY
5.25% eChecking	-	5.25%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications: 5.25% eChecking Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Checking	-	0.35%
Min Deposit $0 Min Balance $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Checking	-	0.30%
Min Deposit $0 Min Balance $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market Checking	-	0.20%
Min Deposit $0 Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
30 Year Mortgage	-	-	7.00%	30 years
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC Special intro rate 12-months	-	-	4.85%	12-months
Details Home Equity Rates; Intro rate expires: 12 months; Regular APR: 3.25% to 18.00% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 year fixed home equity	-	-	6.00%	5 year
Details Home Equity Rates Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
10 year fixed home equity	-	-	6.75%	10 year
Details Home Equity Rates Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HELOC Fixed rate mortgage, 10 yr	6.38%	-	6.77%	10 yr
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HELOC Fixed rate mortgage, 15 yr	6.50%	-	6.78%	15 yr
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HELOC Fixed rate mortgage, 20 yr	6.88%	-	7.11%	20 yr
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HELOC Fixed rate mortgage, 30 yr	7.00%	-	7.18%	30 yr
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.74%
Details As Low As; *Rate may vary based on creditworthiness and loan term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Credit Card Rates

Product	Rate	APR
Edge Credit Card	-	8.99%
Details Great low rate!; Visa Edge card has 8.99%-17.99% fixed APR (Annual Percentage Rate) when you open your account based on your creditworthiness. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Elite Credit Card	-	11.25%
Details Great low rate!; Visa Elite card has 11.25%-23.25% variable APR (Annual Percentage Rate) when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.99%	up to 60 months
Details As Low As; Rates are subject to change without notice. Subject to credit approval and other conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Kellogg Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	-	-	4.25%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications: Kasasa Checking Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Kasasa Saver Savings	-	-	1.75%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications: Kasasa Saver Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Roth IRA	-	-	0.60%
Min Balance $5 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Save to Win	-	-	2.00%
Min Deposit $0 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Traditional IRA	-	-	0.60%
Min Balance $5 Details APY* = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Kellogg Community Credit Union’s Texas Ratio fell from 4.22% in Q2 2023 to 2.12% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.0B	2.12%	5.0	A+
December 31, 2025	$962M	2.92%	5.0	A+
September 30, 2025	$925M	2.09%	5.0	A+
June 30, 2025	$928M	2.48%	5.0	A+
March 31, 2025	$933M	2.19%	5.0	A+
December 31, 2024	$908M	3.50%	5.0	A+
September 30, 2024	$894M	2.47%	5.0	A+
June 30, 2024	$893M	1.68%	5.0	A+
March 31, 2024	$896M	1.54%	5.0	A+
December 31, 2023	$857M	3.20%	5.0	A+
September 30, 2023	$839M	4.21%	5.0	A+
June 30, 2023	$855M	4.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kellogg Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kellogg Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kellogg Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kellogg Community Credit Union

Website https://www.kelloggccu.org

Address 41 2nd St, Battle Creek, MI 49014-6286

Phone 269-968-9251

Fax 269-966-0648

President Henry Pat Rolfe

CEO Tracy Miller

Full-Time Employees 151

Part-Time Employees 3

Branch Locations 14

ATM Locations 13

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.12%

Return on Assets (ROA)

0.3431%

Return on Equity (ROE)

2.0744%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

1,008,094,998

Total Amount of Shares and Deposits

837,091,906

Total Shares and Deposits < 1 Year

819,518,751

Total Shares and Deposits 1 3 Years

9,581,808

Total Shares and Deposits > 3 Years

7,991,349

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

91,240,370

Total Uninsured Shares and Deposits > $250K (F+J)

91,240,370

Total Insured Shares and Deposits > $250K (item 17 less item K)

745,851,536

Total Interest Expense (Sum of items 6 8)

4,384,313

Share Certificates

6,272

Number of Accounts for Share Drafts

30,658

IRA KEOGH Accounts

1,235

Number of Accounts for Regular Shares

65,900

All other shares

2,388

Money Market Shares

7,218

Net Income (unless the amount is already included in Undivided Earnings)

3,458,871

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

147,093,604

Total Liabilities

847,206,583

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Kellogg Community Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Kellogg Community Credit Union

How many branches does Kellogg Community Credit Union operate?

Kellogg Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kellogg Community Credit Union?

Yes, to access services at Kellogg Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kellogg Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kellogg Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kellogg Community Credit Union offer online and mobile banking?

Most modern institutions like Kellogg Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kelloggccu.org.

Current Kellogg Community Credit Union Rates

12-Month CD2.00%
24-Month CD2.25%
60-Month CD3.00%
Savings0.10%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kellogg Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kellogg Community Credit Union Texas Ratio

Kellogg Community Credit Union Health Trend

Kellogg Community Credit Union CD Rates

Kellogg Community Credit Union Savings Rates

Kellogg Community Credit Union Money Market Rates

Kellogg Community Credit Union Checking Rates

Kellogg Community Credit Union Mortgage Rates

Kellogg Community Credit Union Home Equity & HELOC

Kellogg Community Credit Union Auto Loan Rates

Kellogg Community Credit Union Credit Card Rates

Kellogg Community Credit Union Personal Loan Rates

Kellogg Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kellogg Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kellogg Community Credit Union

How many branches does Kellogg Community Credit Union operate?

Is a member application needed to join Kellogg Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kellogg Community Credit Union offer online and mobile banking?

Current Kellogg Community Credit Union Rates

Compare to Other Credit Unions